HDFC Bank PIXEL Play Credit Card
Rs 500Annual fee
Rs 1,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
customizable cashback, upi, online shopping, payzapp
Top rewards
Selected 5% merchant packs (Dining & Entertainment, Travel, Grocery, Electronics, Fashion): 5% Cashback; SmartBuy transactions: 5% Cashback; Selected 3% e-commerce platform (Amazon, Flipkart, or PayZapp): 3% Cashback
PhonePe HDFC Bank Uno Credit Card
Rs 499Annual fee
Rs 1,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
phonepe, upi, utilities, online shopping
Top rewards
Select PhonePe transactions (recharges, utilities, bill payments, and travel): 2 Reward Points / Rs 100 spent; Select online platforms (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber): 1 Reward Point / Rs 100 spent; UPI Scan & Pay transactions: 1 Reward Point / Rs 100 spent
| Feature | HDFC Bank PIXEL Play Credit Card | PhonePe HDFC Bank Uno Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | Visa, RuPay | RuPay |
| Joining fee | Rs 500 | Rs 499 |
| Annual fee | Rs 500 | Rs 499 |
| Fee waiver spend | Rs 1,00,000 | Rs 1,00,000 |
| Reward type | PIXEL CashPoints | reward points |
| Best for | customizable cashback, upi, online shopping, payzapp | phonepe, upi, utilities, online shopping |
| Top reward categories | Selected 5% merchant packs (Dining & Entertainment, Travel, Grocery, Electronics, Fashion): 5% Cashback; SmartBuy transactions: 5% Cashback; Selected 3% e-commerce platform (Amazon, Flipkart, or PayZapp): 3% Cashback | Select PhonePe transactions (recharges, utilities, bill payments, and travel): 2 Reward Points / Rs 100 spent; Select online platforms (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber): 1 Reward Point / Rs 100 spent; UPI Scan & Pay transactions: 1 Reward Point / Rs 100 spent |
| SmartBuy / accelerated caps | smartbuy: monthly 500 PIXEL CashPoints | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Joining fee waiver on spending Rs 20,000 within 90 days of issuance, Renewal fee waived on spending Rs 1 lakh or more in the preceding 12 months | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Cash advances / cash withdrawals | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Education payments |